Introduction

Ontario renters and students can secure simple, affordable tenant insurance with personal liability included—starting from $17/month through Summit’s student tenant programs delivered in partnership with educational institutions. Coverage protects your belongings, your liability for accidental damage or injury to others, and your living expenses if a covered loss forces you to move temporarily. Summit is an independent Canadian brokerage that compares multiple insurers and provides transparent compensation disclosures. See: How We Get Paid.

What’s included in a typical Ontario tenant policy

• Personal liability coverage (commonly required by landlords in leases) for accidental third‑party bodily injury or property damage you’re legally responsible for.

• Personal property coverage for your belongings (at home and, often, temporarily away from home) against insured perils as specified in the policy.

• Additional living expenses if a covered loss makes your unit unfit to live in and you need temporary accommodation.

• Flexible limits and deductibles; Summit helps you select options to satisfy lease requirements and budget.

Note: Final terms, limits, deductibles, and exclusions are defined by the insurer’s policy wording. Pricing and eligibility vary by location, building characteristics, contents values, prior claims, and other underwriting factors.

Ontario offer (students and renters)

• From $17/month for eligible student tenant insurance programs delivered via partnered institutions in Ontario. Pricing for non‑student renters varies by risk profile.

• Fast online enrolment and documentation; many students complete sign‑up in under five minutes. Contact us to confirm eligibility and obtain proof of insurance for your lease. Start here: Contact Summit.

Toronto renters (city anchor)

Renting in Toronto and need proof of liability coverage for your lease? Summit can provide liability‑included tenant insurance and supply the documentation your landlord or property manager requests. For broader Toronto business services, see our Toronto community page.

Ottawa renters (city anchor)

Ottawa tenants—especially students near major campuses—often need tenant insurance with liability evidence before key pickup. Summit can coordinate fast certificates and landlord‑named interest where required. Explore our local presence on the Ottawa community page.

FAQ (liability included)

• Is personal liability included? Yes. Tenant insurance arranged through Summit includes a personal liability component; we’ll help you select limits that satisfy your lease. Documentation (certificate or policy proof) can be provided to landlords upon request.

• Is tenant insurance required in Ontario? Many landlords and property managers include tenant insurance requirements in leases. Summit helps you meet stated requirements and provide proof, even on short notice.

• Can roommates share a policy? Policies can list multiple named insureds, but not all insurers allow unrelated roommates on one policy. Tell us your household setup and we’ll advise options.

• I’m a student—am I eligible for the $17/month pricing? The “from $17/month” price point applies to eligible student tenant programs offered via partnered institutions in Ontario. If your school isn’t in a partner program, we’ll still shop the market for competitive options.

• How do claims work? Contact Summit first so we can help streamline the process with your insurer and assign an adjuster/restoration vendor as needed. See our Claim Services for step‑by‑step support.

• How does Summit get paid? We’re a fully independent brokerage. Compensation is primarily insurer‑paid commissions; details are disclosed and explained here: How We Get Paid.

Get started

• Tell us your address, lease start date, required liability limit, and estimated contents value.

• We’ll compare multiple insurers and issue proof of insurance for your landlord once bound.

• Ontario only. For local context and additional services, see: Toronto and Ottawa.

Disclaimers: Coverage availability, pricing, underwriting, and documentation timelines depend on the insurer and the information you provide. Final coverage is governed solely by the issued policy wording and declarations.